Medicare Supplement Insurance

Medicare Supplement Insurance

When it comes to selecting a Medicare Supplement insurance carrier, you have choices.

Whether you are researching Medicare Supplement for the first time, or looking to move to a different carrier, Central States Health & Life Co. of Omaha (CSO) wants to be your choice for a Medicare Supplement insurance policy. When applying for coverage outside your Open Enrollment period or moving coverage to a different carrier, coverage is underwritten and is not guaranteed.

CSO and their Medicare Supplement Insurance policies are not connected with or endorsed by the U.S. Government or the Federal Medicare program.

CSO Medicare Supplement policies have limitations and exclusions.

Central States Health & Life Co. of Omaha

A– (Excellent)*

A.M. Best Financial Strength Rating

2019

* The A.M. Best Company, Inc. rating refers only to the overall financial status of the company and is not a recommendation of the specific policy provision, rates or practices of the insurance company.

A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders. For the latest rating, access www.ambest.com

Why CSO?

Medicare Supplement benefit plans are standardized. What can differ is cost and service.

You want a strong, caring company with programs suiting your needs. CSO sets themselves apart from other carriers by extending superior service to their policyholders.

CSO’s Medicare Supplement policies offer:

Responsive and accessible customer service representatives.

Household discounts on premiums.

Timely claims processing; no paperwork with automatic filing.

Applications that require no medical exams or bloodwork.

With over 85 years of experience in the insurance business, CSO differentiates themselves by extending superior service and products. We strive to be the provider of choice with our motto “To Care is to Grow”. The guiding philosophy behind how our business is done, is caring for our policyholders, business partners, agents and employees.

Why Medicare Supplement?

Medicare and a Medicare Supplement policy work together to provide coverage on your health care expenses.

Preventive services to help maintain your health and to keep certain illnesses from getting worse.

Medicare provides you with the coverage described above; however, it is not designed to cover all your health care costs. You must pay these gaps in Medicare coverage which are often deductibles, coinsurance and co-payments. Medicare Supplement insurance policy can assist you with paying all or some of these costs, depending on the policy you choose.

The following Medicare Supplemental Insurance plans may be available:

Source: Choosing a Medigap Policy: A guide to Health Insurance for People with Medicare.

* Plan F is also offered as a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,300 in 2019 before your policy pays anything.

** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient hospital admission.

Disclosures

These Medicare Supplement insurance products are underwritten by Central States Health & Life Co. of Omaha.

Each insurer has sole responsibility for its own product. This is a solicitation of insurance. A licensed insurance agent may contact you.

Benefits and premium under Medicare Supplement Insurance policies may be suspended for up to 24 months if you become entitled to benefits under Medicaid. You must request that your policy be suspended within 90 days of becoming entitled to Medicaid. If you lose (are no longer entitled to) benefits from Medicaid, the policy can be reinstated if you request reinstatement within 90 days of the loss of such benefits and pay the required premium.

You are under no obligation when you ask for more information. If you respond you may be contacted by a licensed insurance agent in an attempt to sell you insurance. A licensed agent will provide you complete information including benefits, costs, eligibility requirements, exclusions and limitations. CSO policies do not contain a pre-existing condition exclusion.

Applicable state versions of Medicare Supplement policies: COMSAA2019ST, COMSCA2019ST, COMSFA2019ST, COMSGA2019ST AND COMSNA2019ST, where ST is state of issue.

Florida residents: Policies COMSAI2019ST, COMSCI2019ST, COMSFI2019ST, COMSGI2019ST AND COMSNI2019ST, where ST is the state of issues.

An Open Enrollment Period is the 6-month period of time beginning on the first day of the month you are 65 or older and enrolled in Medicare Part B. In some states, plans may be available to persons under 65 years of age who are eligible for Medicare by reason of disability or End Stage Renal Disease. All insurance policies may not be available in your state.

To contact an Agent for help with a CSO Medicare Supplement policy call (866) 887-9323.

Get a Free Medicare Supplement Guide

Download a FREE copy of Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare by the Centers for Medicare and Medicaid Services and the National Association of Insurance Commissioners.

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